Personal loans in Auburn, PA

A personal loan in Auburn is priced from your credit file and income, not from the fact that the city holds 675 people. An estimated 675 people make their home in Auburn, a figure that ranks 696th in Pennsylvania.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Census figures put the 2020-to-2023 increase in Auburn at about 0.4%. Every figure below is Pennsylvania's own, applied to Auburn's 675 residents, with the publisher and retrieval date attached. If debt is already a strain, a nonprofit credit counsellor can help Auburn residents before they take on more. For a bigger market, look to Deer Lake, PA about 3 miles away.

The Auburn data picture

Two layers matter for a Auburn borrower: the local population picture and Pennsylvania's consumer-lending statutes.

Population: about 675 people live here, which puts Auburn 696th of 1,013 Census places in Pennsylvania (Vintage 2023).
Population trend: Growth of about 0.4% across the 2020-to-2023 comparison.
Net change: roughly 3 more people than the 2020 Census counted.
Size percentile: bigger than about 31% of the places in Pennsylvania, with 675 residents in Auburn.
Population density: 416 people per square mile on 1.6 square miles of land.
By land area: Auburn ranks 273rd among Pennsylvania's 1,013 places, at 1.6 sq mi.
Water area rank: Auburn ranks 226th among Pennsylvania's 1,013 places, with 0.05 sq mi.
Share of state population: Auburn's 675 residents are about 0.0% of Pennsylvania.
National rank: Auburn is 11,954th of 19,457 places nationwide.
Growth in Pennsylvania: Auburn stands 167th by percentage change from 2020 to 2023, among 1,013 places.
Against the state trend: Auburn's 0.4% change compares with a Pennsylvania average of -0.9% across its 1,013 places.
Density rank: Auburn is the 893rd most densely settled place in Pennsylvania.
Against the state median: Auburn runs about 416 residents per square mile, where the Pennsylvania median is 1,990.
Location: latitude 40.5954, longitude -76.0972 (Census Gazetteer).
Nearest larger cities: Deer Lake (3 mi); Orwigsburg (4 mi); Schuylkill Haven (5 mi); Cressona (6 mi); Hamburg (7 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller places nearby: Landingville (2 mi); Port Clinton (4 mi); Mount Carbon (7 mi).
Within a 50-mile radius: 41 smaller Census places.
Within 100 miles: 580 places are larger than Auburn.

Where Auburn sits in Pennsylvania

Set beside Pennsylvania's 1,013 places, Auburn ranks 696th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Auburn ranks 167th of 1,013 in Pennsylvania (about the 84th percentile). At about 416 people per square mile, Auburn is the 893rd most densely settled place in Pennsylvania. Within 50 miles sit 41 smaller Census places, alongside the 201 that are larger.

What shapes a Auburn personal loan

A Auburn personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 675 residents. The APR tracks your credit score rather than Auburn's rank of 696th in Pennsylvania: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Auburn loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Auburn

For the roughly 675 residents of Auburn, the rules below are Pennsylvania's own; each row carries its publisher and retrieval date.

Rule	Detail	Source
State lending regulator	Pennsylvania Department of Banking and Securities (DoBS) Source says: "The Department of Banking and Securities regulates financial services in Pennsylvania."	Pennsylvania Department of Banking and Securities as of 2026-09-16
Bank rate-cap exemption (state-specific rule)	Pennsylvania state-chartered banks are not subject to state interest-rate caps (Banking Code Sections 303/506 supersede the LIPL 6% cap). Source says: "Pennsylvania law does not impose any restrictions on the interest rate that Pennsylvania state-chartered banks may charge to customers." (DoBS interpretive letter, May 11, 2023).	Pennsylvania Department of Banking and Securities as of 2026-09-16
Maximum legal interest rate (usury cap)	6% per annum maximum for loans of $50,000 or less where no lower rate is contracted (41 P.S. 201(a)). Source says: "the maximum lawful rate of interest for the loan or use of money... shall be six per cent per annum" (Loan Interest and Protection Law, Section 201(a)).	Pennsylvania General Assembly (Laws of Pennsylvania, Act 6 of 1974) as of 2026-09-16

The Auburn borrowing checklist

A sensible order of operations for a loan in Auburn, home to about 675 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Verify the lender's Pennsylvania licence with the regulator listed on this page.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Test the payment against your current bills before you commit.

In Auburn as elsewhere in Pennsylvania, the written terms — not the advertisement — are what count for its 675 residents.

Getting a loan in Auburn

Auburn is lightly settled, with about 416 people per square mile and 201 larger places within 50 miles. Distance to a branch rarely matters for Auburn's 675 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Deer Lake, PA about 3 miles away.

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Common questions

What are my options in Auburn if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Auburn is the same as anywhere in Pennsylvania.

What loan size can I expect in Auburn?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Auburn?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Auburn cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Landingville, PA — population 136
Deer Lake, PA — population 678
Orwigsburg, PA — population 3,002
Port Clinton, PA — population 279
Schuylkill Haven, PA — population 5,256
Cressona, PA — population 1,610
Palo Alto, PA — population 971
Mount Carbon, PA — population 90